Footprint Private Motor Insurance Policy - Coverinaclick.ie

Footprint Private Motor Insurance Policy - Coverinaclick.ie
Emergency Helpline:
We are here to help you – 24 hours a day, 365 days a year

We are committed to providing our customers with an exceptional level of service, especially when the
unexpected happens and you need our help and assistance.

Our aim is to provide a swift and efficient response, so it is important that you contact us immediately about any
accident or incident likely to give rise to a claim. Please have your policy number to hand.

We recommend that you notify your insurance broker of any accident or incident that you have notified to us.



We believe that you should only have to call one number:

•    Claims Assistance                                   (01) 908 9030
Call this helpline if you need to report an accident or incident which could result in a claim on your policy
(regardless of blame), such as a road traffic accident, fire, theft, attempted theft or malicious damage.
Please refer to Pages 2 & 3 for Guidance Notes on what to do in the event of a claim.


•    Breakdown Assistance                                (01) 908 9030
Call this helpline if your car breaks down and you either need roadside assistance, home-start, vehicle recovery,
message relay or ‘get you to your destination’ service. This is a dedicated 24 hour service.
If you are calling from the UK, the Isle of Man or the Channel Islands please contact +44 (0) 844 8930987.
Please refer to "Section 8 - Breakdown Assistance" for more details.


•    Windscreen/Glass Damage                             (01) 908 9030
Call this helpline if your windscreen glass or window glass is damaged and needs to be repaired or replaced
(excluding sun roofs, glass roofs or panoramic windscreens). This is a dedicated 24 hour service.

Please refer to Additional Benefit 3 provided under both Section 2 and Section 3 for more details.



•    Legal Expenses & Counselling                        (01) 908 9030
Call this helpline if you need legal advice and assistance regarding your involvement in a motor accident,
prosecution for a motoring offence or a motor contract dispute. This is a dedicated 24 hour service.

Call this helpline to reach our telephone based confidential counselling service to discuss any matter.

Please refer to "Section 9 - Motor Legal Expenses & Counselling" for more details.
Index

                                                                                          Page

Important Information                                                                     1

Guidance Notes

- What should I do in the event of an accident?                                           2

- What should I do if my car is stolen or damaged by attempted theft or malicious acts?   3

Benefits of using our own panel of Approved Repairers                                     4

Definitions                                                                               5

Introduction to your Insurance Policy                                                     8

Cancellation within the Cooling-Off Period                                                11

General Conditions                                                                        12

Insurance Provided - Sections of Cover applicable                                         20

Section 1 - Liability to Third Parties                                                    21

Section 2 - Loss of or Damage to the Insured Vehicle caused by Fire or Theft              25

Section 3 - Accidental Damage to the Insured Vehicle                                      33

Section 4 - Foreign Use of the Insured Vehicle                                            42

Section 5 - Personal Accident & Medical Expenses                                          44

Section 6 - No Claims Bonus                                                               47

Section 7 - Full Protection No Claims Bonus                                               49

Section 8 - Breakdown Assistance                                                          50

Section 9 - Motor Legal Expenses & Counselling                                            54

General Exceptions                                                                        60

Our Service Commitment                                                                    63

Data Protection Notice                                                                    64
Important Information
Thank you for purchasing a Footprint Underwriting private car insurance policy.
Our car insurance policy is sold exclusively through a network of insurance brokers and is based on information
provided to us by you (or on your behalf) at the time you applied for this insurance - including information
supplied verbally, in writing or any data entered electronically via your insurance broker's website.

You should keep a record of all information and documentation supplied to us and your insurance broker when
taking out this insurance (including copies of all letters and e-mails).

It is very important that you understand what you are covered for under this insurance policy, so please read this
Policy Document, the Schedule and the Certificate of Motor Insurance carefully and keep them in a safe place.
You should pay particular attention to the sections relating to General Conditions and General Exceptions.

If these documents do not meet with your exact requirements or if you have any specific queries or concerns
regarding the cover provided or the terms and conditions applied, then it is important that you contact your
insurance broker immediately.

If you notice that any of the information shown in the above mentioned documents is incorrect or out of date,
then it is important that you contact your insurance broker immediately so that the necessary changes are made.
Failure to do so could invalidate this insurance policy, result in rejection of a claim or reduce the amount of
any claim we pay.

Notification of changes which may affect your insurance cover:
It is important that you contact your insurance broker immediately to notify them of any changes which may
affect your insurance cover. Some examples are:
• if you change the car you drive,
• if you want to make a change to the drivers permitted to use your car under this policy, whether this be on a
  permanent or temporary basis - such as adding new drivers or removing existing drivers,
• if you want to make a change to the main user of the car,
• if you want to make a change to the use of the car under this policy - such as adding business use,
• if you or any driver named on the policy change their occupation (full-time or part-time),
• if you or any driver named on the policy passes their driving test,
• if you or any driver named on the policy either makes a change to their driving licence, surrenders their
  driving licence or has their driving licence restricted or revoked,
• if you or any driver named on the policy is convicted of any criminal offence or have a prosecution pending,
  or incur a conviction, fine, fixed charge, penalty points, licence endorsement or have a prosecution pending
  in relation to any motoring offence,
• if the car you drive is changed or modified from the manufacturer's standard specification, including any
  chips fitted to the engine or specialist tuning designed to increase performance, or the addition of optional fit
  accessories such as body kits, spoilers, skirts or big bore exhausts,
• a change to either the postal address or the address at which the car is normally kept or area normally used,
• a change to either the garaging facilities or the place at which the car is normally parked overnight,
• a change to the annual mileage figure declared at the commencement or renewal of the policy for which you
  may have received a discount to the premium,
• if the car is involved in an accident or any incident that may result in a claim, no matter how trivial.

This is not an exhaustive list and if you are in any doubt as to whether or not a change may affect your cover,
then you should contact your insurance broker immediately to discuss it with them. Failure to do so could
invalidate this insurance policy, result in rejection of a claim or reduce the amount of any claim we pay.


                                                                                                                      1
Guidance Notes
    What should I do in the event of an accident?
    Regardless of blame, it is important that you take the following actions and contact us as soon as possible:

    • Stop, Think Safety & Call the Emergency Services

    The law requires any driver involved in an accident to stop at the scene of an accident for a reasonable time.
    Where the vehicle is causing an obstruction or a danger to other motorists, the positions of the vehicles should
    be marked and then moved off the carriageway to a safe place as quickly as possible.

    If your car is severely damaged, do not try to push it to the side of the road unless the traffic has fully stopped
    and it is safe to do so. It is far safer to wait for the emergency services to attend and clear the road properly.

    Turn on your hazard warning lights, and then put on a high-visibility vest so that other motorists can see you.
    If you are carrying a warning triangle and it is safe to do so, place this by the side of the road well before the
    accident to warn other motorists. If it is dark, use a torch so that you are clearly visible to other motorists.

    Check to see if anybody has been injured. If so, you must call the Gardai and an ambulance immediately.

    Find a safe place to stand, well away from the road so that you are not in any danger from oncoming motorists.
    DO NOT stand in the hard-shoulder or sit in your car as these can often be the most dangerous places to wait.

    • Take Notes, Exchange Details, Draw a Diagram & Take Photos
    You should make a note of the following:
      the precise time that the accident occurred,
      the weather conditions at the time of the accident (for instance, sunny, fair, raining, snowing, fog/mist),
      the road conditions at the time of the accident (for instance, dry, wet, icy, muddy),
      details of any obstacles in the road at the time of the accident (for instance, debris, animals),
      the lighting conditions at the time of the accident (for instance, daylight, dusk, twilight, dawn),
      the street lighting and positioning of street lights in relation to the scene of the accident,
      the registration number of any vehicles involved in the accident,
      the name, address and telephone number of any driver(s) involved in the accident,
      the name, address and telephone number of the vehicle owner,
      the Policy Number and Insurance Company shown on the Insurance Disc displayed in the windscreen,
      the number of passengers in each vehicle, and the name, address and telephone number of anyone who has
      been injured in the accident (or is suggesting that they have been injured),
      the name, address and telephone number of any witnesses to the accident,
      details of whether the airbags were deployed in your car or in any other vehicles involved in the accident,
      the name, station address and telephone number of the Gardai who attended the scene of the accident.

    If it is safe to do so, you should draw a diagram and take photos of the scene of the accident, including:
      the precise location of the accident and approximate measurements, including details of the road layout
      (junctions, roundabouts etc.), road signs, road markings, traffic signals and any speed restrictions in place,
      the travelling direction and final position of each vehicle involved in the accident,
      photographs to support the extent of damage sustained to any vehicles or property.

    If any other vehicles were involved in the accident or other property has been damaged, you must provide your
    name, address, telephone number, registration number and insurance details to anyone who has reasonable
    grounds to ask for them (including any independent witnesses at the scene of the accident).




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If there are no injuries and damage is to property only, it is not necessary to report the accident to the Gardai
provided the drivers exchange the necessary details listed to the person whose property has been damaged.

If you were not able to exchange details with other drivers or the owners of property at scene of the accident, or
if you were involved in a collision with an animal, you are required by law to report the incident to the Gardai
(or the local police if travelling abroad) as soon as possible and certainly within 24 hours of the accident.

Regardless of blame, DO NOT admit liability for an accident, either verbally or in writing.

• Contact Us – Claims Assistance Helpline on (01) 908 9030.

It is important that you contact us immediately about any accident or incident which could result in a claim.
Our experienced advisors will ask you some questions about the accident and take down some initial details.
We will provide immediate help and assistance at the roadside, such as towing/recovering your damaged car,
getting you to your destination and providing advice with regards to your courtesy car entitlement.
We will then advise you what to do next and send you a Claim Form, which you must complete, sign and return
to us as soon as possible (but no later than 30 days from the date of accident) so that we can progress the claim.

Any correspondence relating to the accident received from third-parties, their insurers, their representatives or
the authorities must be sent to us unanswered as soon as possible. You must inform us immediately if you
receive notice of any prosecution or if other parties involved are to be prosecuted as a result of the accident.


Important Note:        Motor Insurers’ Bureau of Ireland (Mibi)

If you are involved in an accident with a visiting motorist from outside the country, you must report the accident
to the Motor Insurers' Bureau of Ireland. If you like, we can assist you with this process.

For further information about the process and instructions on how to download the appropriate forms, visit the
website at www.mibi.ie or e-mail info@mibi.ie.
You can also contact the Motor Insurers' Bureau of Ireland by writing to:
5 Harbourmaster Place, IFSC, Dublin 1.
Telephone Number: (01) 6769944. Fax Number: (01) 6761108.




What should I do if my car is stolen or damaged by attempted theft or malicious acts?
If your car is stolen or damaged as a result of attempted theft or malicious acts, you must report the matter
immediately to the Gardai (or local police if travelling abroad) and obtain a crime reference number.

• Contact Us – Claims Assistance Helpline on (01) 908 9030.
It is important that you contact us immediately about any accident or incident which could result in a claim.
Please have your policy number to hand when you call us.

Our experienced advisors will ask you some questions about the incident and take down some initial details.
We will then advise you what to do next and send you a Claim Form, which you must complete, sign and return
to us as soon as possible (but no later than 30 days from the date of incident) so that we can progress the claim.




                                                                                                                     3
Benefits of using our own panel of Approved Repairers
    Vehicle Damage
    We have our own nationwide panel of Approved Repairers to make the claims process as efficient as possible
    and if you avail of this service, we guarantee the following:
      they will recover your car from the scene of the accident and tow it to their garage (if it is unfit to drive);
      they will store your car safely overnight in order to protect it from further damage, vandalism or theft;
      they can order the necessary parts and commence repairs immediately;
      they will organise a courtesy car while your car is being repaired (subject to terms and conditions), which
      you can pick up from their garage or they will arrange to deliver it to your home or place of work;
      they will clean your car (both the inside and outside);
      they will deliver your car to your home or place of work when the repairs are completed; plus
      they will guarantee the repairs and any other work carried out for a minimum of three years.


    You can choose to appoint your own repairer, but we will insist on you first obtaining and sending us a detailed
    schedule of works required and an estimate of costs. We will need to appoint an assessor or engineer to inspect
    the damaged vehicle and agree the schedule of works required and estimate of costs before repairs commence.
    You must not authorise repairs without our prior written permission.

    If you choose to appoint your own repairer, we will not guarantee the repair work undertaken.


    Glass Damage
    In addition, we also have our own Approved Windscreen Repairer who is authorised to carry out any necessary
    repair or replacement of windscreen glass or window glass to make the claims process as efficient as possible.

    If you avail of this service, not only will the amount we pay for the cost of repair or replacement be unlimited
    but we will guarantee the following:
      they will provide a 24 hour service, 7 days a week, 365 days a year;
      they have a dedicated nationwide service with depots located throughout Ireland;
      they offer a convenient mobile unit service - which means your windscreen glass or window glass can be
      repaired or replaced at your home or at your place of work;
      they can repair most windscreen chips - which means that the windscreen does not have to be removed;
      they bill us directly on your behalf, therefore there is no paperwork to complete;
      they guarantee all workmanship for as long as you own the vehicle.


    You can choose to appoint your own repairer, but we will insist on you first providing an estimate of the costs.
    If you choose to appoint your own repairer:
    • we will not pay more than €50 inclusive of VAT per claim towards the cost of repair;
    • we will not pay more than €200 inclusive of VAT per claim towards the cost of replacement;
    • we will not guarantee the repair, replacement or workmanship.




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Definitions
The words or phrases shown below have the same meaning whenever they appear in this Policy Document, the
Schedule, the Certificate of Motor Insurance and any endorsements and are shown in bold print throughout.



Approved Repairer
  A motor vehicle repairer that we have approved and authorised to carry out any necessary works to repair any
  damage made to the insured vehicle following a valid claim made under this policy.

Approved Windscreen Repairer
  A glass company that we have approved and authorised to carry out any necessary repairs or replacement of
  windscreen glass or window glass in the insured vehicle following a valid claim made under this policy.

Certificate of Motor Insurance
  A document issued by us, which provides evidence of your motor insurance cover and is required by law.
  It shows the policy number, the registration number of the insured vehicle, details of who is insured to drive
  the insured vehicle, what the insured vehicle can be used for, what other cars you are allowed to drive and
  the period of insurance.

  This document forms part of this contract of insurance.
Courtesy Car
  A car loaned to you by our approved repairer (whether owned by or hired by our approved repairer),
  whilst the insured vehicle is being repaired or replaced following a valid claim under this insurance policy.
  This courtesy car is strictly for your personal use only.

  In certain circumstances, a courtesy car may be loaned to you by us or by an assistance company.
Endorsement
  A change made to the terms, conditions or exceptions of this policy which replaces or alters the standard
  insurance wording. Any endorsements applied will be shown on your Schedule and form part of this
  contract of insurance.

Excess
  The amount that will be deducted from any agreed settlement of any valid claim made under this policy
  (where an excess is applicable), as shown on your Schedule.

  The total excess will include the “standard excess" plus any "voluntary excess" which you selected in return
  for a discount on your premium.

Geographical Limits

  We will provide insurance as set out in this policy for insured events which occur in the Republic of Ireland,
  Northern Ireland, Great Britain, the Isle of Man or the Channel Islands, or whilst the insured vehicle is being
  transported between the above mentioned countries by road, rail, inland waterway or sea (including any
  insured events which occur during the loading and unloading of the insured vehicle).




                                                                                                                    5
In-Car Entertainment, Communication and Navigation Equipment
     Any permanently fitted audio or visual equipment (such as radio, cassette, compact disc or DVD player),
     telephone, CB radio, electronic audio or visual navigation equipment or radar detection equipment.

     Portable electronic devices (such as GPS navigation systems, DVD players, Tablets, i-Pods, MP3 players,
     mobile phones, games consoles), cassette tapes, compact discs or DVD's are not included in this definition.

    Insurance Broker, Broker
     The intermediary who has placed this insurance with us, who acts on your behalf as your agent and through
     whom all matters concerning this insurance are handled.

    Insured Driver
     You and any person named on your Schedule and the Certificate of Motor Insurance, or by endorsement,
     as being insured and entitled to drive under this policy.
    Insured Vehicle
     The private motor car (which has been taxed for private use only), the details and registration number of
     which are shown on your Schedule and the Certificate of Motor Insurance.
     This definition extends to any other private motor car to which cover is transferred with our consent, whether
     on a permanent or temporary basis, during the period of insurance providing:
     (i) you have given us full details of the private motor car concerned;
     (ii) you have paid, or agree to pay, any additional premium that applies to this change; and
     (iii) we have provided you with a Certificate of Motor Insurance for the private motor car concerned.
      Please note that permanently fitted accessories are also included within this definition.

     Please note that all commercial vehicles, vans, car-vans (i.e. a car or jeep that has no fixed seats in the back)
     and/or any vehicle which is not taxed for private use only are specifically excluded from this definition unless
     disclosed and agreed by us.

    Market Value
     The reasonable cost of replacing the insured vehicle at the time of the loss or damage with a similar vehicle
     of the same age, make, model, specification, mileage, general condition, ownership history and any other
     relevant factors as determined by an appointed motor assessor or engineer in conjunction with the published
     trade guide and other relevant sources. We may also use a specialist firm to determine the appropriate value
     of the insured vehicle.

     Modifications not forming part of the standard vehicle specification are excluded unless they were fitted as a
     manufacturer's optional extra and disclosed and agreed by us.

     If the insured vehicle was originally registered as new in a country other than the Republic of Ireland, any
     assessment of market value will take into account the fact that the car has been imported, but will not include
     any delivery costs incurred at the time of importation.

    Period of Insurance

     The period covered by this policy as shown on your Schedule and the Certificate of Motor Insurance, and
     any subsequent period for which we accept renewal of the insurance.




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Proposal Form
  The document relating to the application for insurance and declaration completed by you, or on your behalf,
  at the time this insurance was arranged. We have relied on the information provided on this form in entering
  into this contract of insurance.

Schedule

  A document issued by us, which shows the policy number, the registration number of the insured vehicle,
  details of who is insured to drive the insured vehicle, what the insured vehicle can be used for, what other
  cars you are allowed to drive and the period of insurance. It also shows any endorsements operative.

  This document forms part of this contract of insurance.
Spouse or Partner

  Your husband, wife, civil partner or someone you are in a long-term permanent relationship with and who
  lives with you as if you were married to them.
  Please note that the definition of 'partner' does not include any business partner or associate.

Statement of Fact
  The document relating to the application for insurance that shows the information that was provided by you,
  or that was provided on your behalf, at the time this insurance was arranged. We have relied on the
  information provided on this form in entering into this contract of insurance.

Total Loss
  We will consider the insured vehicle to be a 'total loss' if it is deemed to be either:
  • statutory write-off - meaning that a suitably qualified assessor or engineer has determined that the vehicle
    cannot be repaired to a safe condition and is no longer fit for return to the road and therefore should be
    either destroyed or rendered for parts; or

  • a financial write-off - meaning that a suitably qualified assessor or engineer has determined that the vehicle
    can be repaired to a safe condition but the total cost of repairs renders it uneconomic to do so; or

  • a total loss by theft - meaning that the vehicle has not been located or recovered within 28 days after you
    reported the theft to us and to the Gardai (or the local police if travelling outside the Republic of Ireland),
    and it is still missing when we settle your claim.

We, Us or Our
  In relation to the arrangement and administration of this policy (including claims handling if appropriate),
  we, us or our means Footprint Underwriting.
  In relation to the cover provided under Sections 1 to 7 and the General Conditions and General Exceptions,
  we, us or our means the insurer, R&Q Insurance (Malta) Limited.

  In relation to the cover provided under Sections 8 & 9 and the General Conditions and General Exceptions,
  we, us or our means the insurer, DAS Legal Expenses Insurance Company Limited.
You or Your
  The person named as "the Insured" on the Schedule and the Certificate of Motor Insurance.




                                                                                                                      7
Introduction to your Insurance Policy
    This policy consists of the following documents:
           this Policy Document,
           the Schedule (including any endorsements or updates),
           the Certificate of Motor Insurance and Insurance Disc.
    You must read these documents in conjunction with each other and it is important that you understand exactly
    what you are covered for under this policy. This policy is a legal document and should be kept in a safe place.

    The cover we provide is subject to terms, conditions and exceptions, so you should pay particular attention to
    the sections relating to the General Conditions and General Exceptions and also any endorsements that apply.
    If these documents do not meet with your exact requirements or if you have any specific queries or concerns
    regarding the cover provided or the terms and conditions applied, then it is important that you contact your
    insurance broker immediately.

    If you notice that any of the information shown in the above mentioned documents is incorrect or out of date,
    then it is important that you contact your insurance broker immediately to ensure that any necessary changes
    can be made. Failure to do so could invalidate this insurance policy or result in rejection of a claim or reduce
    the amount of any claim we pay.


    Contract of Insurance
    This policy is evidence of a legally binding contract of insurance between you and us, and cannot be transferred
    to anyone else without our prior written agreement. Nobody other than you and us have any rights that they can
    enforce under this contract of insurance except for those rights that they have under road traffic law in any
    country in which this insurance applies.

    This contract of insurance is entered into on the basis that information provided to us by you (or on your behalf)
    at the time you applied for this insurance, whether supplied verbally, in writing or entered electronically via your
    insurance broker’s website, is complete and accurate and that you have taken all reasonable care to answer the
    questions asked honestly, accurately and to the best of your knowledge.

    The information provided to us by you (or on your behalf) at the time you applied for this insurance is shown
    on the Proposal Form and Declaration that you signed or the Statement of Fact and Declaration issued to you.
    This information forms the basis of the contract of insurance, from which your policy has been prepared.

    On the provision that you have paid, or agree to pay, the premium, we agree to provide you with this insurance
    in accordance with the cover shown on the Schedule, against liability, death, bodily injury, loss or damage that
    occurs within the geographical limits during the period of insurance or any subsequent period for which we
    may accept payment for renewal of this policy and issue a Certificate of Motor Insurance and Schedule.

    We will only provide the insurance described in this policy if:
        • the information provided on the Proposal Form and Declaration or Statement of Fact and Declaration is
          complete and accurate to the best of your knowledge; and
        • you or any person claiming to be insured under this policy has complied with all of the terms, conditions
          and exceptions of this policy and any endorsements that apply.
    You must comply with the above mentioned conditions. Failure to do so could invalidate this insurance policy,
    result in rejection of a claim or reduce the amount of any claim we pay.



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THIS POLICY IS ARRANGED & ADMINISTERED BY:
Footprint Underwriting DAC.
Address:             Footprint Underwriting,

                     Level 1 – The Chase, Carmanhall Road, Sandyford Industrial Estate, Dublin 18.
Telephone:           (01) 908 9040.


Footprint Underwriting DAC trading as Footprint Underwriting is registered in Ireland.

Registered No.: 521505.

Registered Office: Level 1 – The Chase, Carmanhall Road, Sandyford Industrial Estate, Dublin 18, Ireland.

Footprint Underwriting DAC trading as Footprint Underwriting is regulated by the Central Bank of Ireland.


SECTIONS 1 TO 7 OF THIS POLICY ARE UNDERWRITTEN BY:
R&Q Insurance (Malta) Limited.
Address:             R&Q Insurance (Malta) Limited.
                     3rd Floor, Development House, St. Anne Street, Floriana, FRN 9010, Malta.


R&Q Insurance (Malta) Limited is registered in Malta.
Registered No.: C 59505.
Registered Office: 3rd Floor, Development House, St. Anne Street, Floriana, FRN 9010, Malta.
R&Q Insurance (Malta) Limited is authorised and regulated by the Malta Financial Services Authority and is
regulated by the Central Bank of Ireland for conduct of business rules (Ref: C124640).

R&Q Insurance (Malta) Limited is licensed in accordance with the Insurance Business Act, 1998 (Chapter 403,
Laws of Malta) to carry out insurance and reinsurance business.


SECTIONS 8 & 9 OF THIS POLICY ARE UNDERWRITTEN BY:
DAS Legal Expenses Insurance Company Limited.
Address:            DAS Ireland,
                    Europa House, Harcourt Centre, Harcourt Street, Dublin 2.


DAS Ireland is a branch office of DAS Legal Expenses Insurance Company Limited.
DAS Legal Expenses Insurance Company Limited is registered in England and Wales.

Registered No.: 103274.

Registered Office: DAS House, Quay Side, Temple Back, Bristol, BS1 6NH, United Kingdom.

DAS Legal Expenses Insurance Company Limited is authorised by the Prudential Regulation Authority and
regulated by the Financial Conduct Authority and the Prudential Regulation Authority of the United Kingdom
and is regulated by the Central Bank of Ireland for conduct of business rules (Ref: C51431).


                                                                                                              9
Regulatory Status
     Footprint Underwriting DAC trading as Footprint Underwriting is regulated by the Central Bank of Ireland and
     is subject to the Central Bank of Ireland's Consumer Protection Code and Minimum Competency Code which
     offer protection to consumers.

     Full details of the above can be found on the Central Bank of Ireland's website at www.centralbank.ie.


     Law applicable to this Contract of Insurance
     Under the relevant European law and Irish legal provision, the parties to the proposed contract of insurance are
     free to choose the law applicable to this contract. We propose that the law of the Republic of Ireland will apply.

     Notwithstanding the provisions of arbitration within this policy, the Irish Courts will have jurisdiction to hear
     any dispute regarding your policy, unless otherwise stated in the policy terms and conditions.


     Language applicable to this Contract of Insurance
     The terms and conditions of this policy and all other information concerning this insurance are communicated
     to you in the English language and we undertake to communicate in this language for the duration of this policy.


     Stamp Duties Consolidation Act 1999
     The appropriate Stamp Duty has been paid or shall be paid in accordance with the provisions of Section 5 of
     the Stamp Duties Consolidation Act 1999 (or future amendments).


     Insurance Act 1936
     All monies which become or may become payable by us under this policy, in accordance with Section 93 of
     the Insurance Act 1936 (or future amendments), shall be payable and paid in the Republic of Ireland.


     Currency
     All monies payable under this policy will be paid in Euros, unless specifically stated to the contrary.



     Signed on behalf of Footprint Underwriting:




     Simon Richards - Managing Director



     Signed on behalf of R&Q Insurance (Malta) Limited:




     Paul Corver – Director

10
Cancellation within the Cooling-Off Period

You have the right to cancel your policy within 14 days of the start date or renewal date of the policy or the
date on which you receive your policy documents, whichever is later, providing there has been no claim made.

To do this, you simply need to contact your insurance broker.
Please note that if you cancel this policy, then all cover and policy benefits provided by this insurance shall
automatically be cancelled on the same date.

Cancellation by any party shall be without prejudice and will not affect any rights, claims or responsibilities
arising prior to the effective date of the cancellation or the expiry date of any written notice of cancellation.


You must immediately return your Certificate of Motor Insurance and the Insurance Disc before we can
proceed with the cancellation. Please note that the effective date of cancellation will be the date of receipt of
the above mentioned documentation or the date specified by you, whichever is later.

If, at the effective date of the cancellation, your policy has not yet commenced, we will cancel your policy and
refund the premium in full.

If, at the effective date of the cancellation, your policy has already commenced, we will cancel your policy and
refund the premium relating to the remaining period of insurance on a pro-rata basis, providing that you have
not made a claim or there is no incident that is likely to result in a claim during the current period of insurance.

We will not issue any refund of premium until both the Certificate of Motor Insurance and Insurance Disc
have been returned to us.

We will inform the Department of Transport, Tourism and Sport when your policy has been cancelled.


In the event of an accident, incident or claim being reported to us within the cooling-off period (or afterwards),
we reserve the right to retain the premium you have already paid in full or to demand the premium in full.
Should an accident, incident or claim be reported to us after the cooling-off period, we reserve the right to
reclaim any amount of premium we have already refunded to you.


If you wish to cancel your policy after the 14 days cooling-off period, please refer to the General Conditions,
specifically 13. Cancellation after the Cooling-Off Period.




                                                                                                                       11
General Conditions

     The following General Conditions apply to the whole of this insurance policy.




     1. Duty of Disclosure of Material Facts
     We will only provide the cover described in this insurance policy if in entering into this contract you have taken
     all reasonable care to answer the questions asked honestly, accurately and to the best of your knowledge.
     The information provided to us by you (or on your behalf) at the time you applied for this insurance is shown
     on the Proposal Form and Declaration that you signed or the Statement of Fact and Declaration issued to you.
     This information forms the basis of the contract of insurance, from which your policy has been prepared.

     You must contact your insurance broker immediately if the information shown in the above document is
     incorrect or out of date, so that the necessary changes are made and they let us know about any material facts.
     Material facts are those facts which might influence our acceptance or assessment of a proposal, and if you are in
     any doubt as to whether a fact is material you should disclose it to your insurance broker.

     Duty of disclosure of a material fact continues throughout the life of the policy.


     Failure to disclose any material facts or to take all reasonable care to avoid misrepresentation in relation to the
     information provided may result in us taking one or more of the following actions:
     •   declare the policy void (i.e. treat it as if the policy never existed);
     •   reject any claim made under this policy or reduce the amount of any claim we pay under this policy;
     •   seek recovery from you of the amount of any claim that we have already paid under this policy;
     •   amend the terms and conditions applicable to this policy;
     •   charge an additional premium to reflect any additional risk.



     2. Duty of Disclosure of Motoring Offences
     If you, or any insured driver, incur a conviction, fine, fixed charge notice, penalty points, licence endorsement
     or have a prosecution pending in relation to any motoring offence under the Road Traffic Acts, this is considered
     to be a material fact and the following information must be disclosed to your insurance broker:

     • the type of motoring offence committed and the penalty imposed (i.e. imprisonment, disqualification, fine,
       fixed charge, penalty points, licence endorsement);
     • the length of any disqualification from driving, the monetary value of any fine or fixed charge notice or the
       number of penalty points imposed for the offence;
     • the date on which the motoring offence took place and/or the date of conviction;
     • the name of the driver who committed the offence and their Driver Number (shown on driving licence).


     If any offence, for which you or any insured driver has been convicted in the expiring period of insurance,
     has not been considered when calculating your renewal terms and premium, we may at our discretion include
     the offence in subsequent periods of insurance.




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3. Duty to comply with the Terms, Conditions and Exceptions
We will only provide the cover described in this insurance policy if you or any person claiming protection
observes, fulfils, complies with and has kept to the terms, conditions and exceptions of this policy (including
those applied by endorsement) as far as they can apply.

In the event of the death of any person who would have been insured under this policy, we will transfer the
benefit of this insurance to their legal personal representatives providing the legal personal representatives
shall, as though they were the insured, observe, fulfil, comply with and be subject to the terms, conditions and
exceptions of this policy (including those applied by endorsement) as far as they can apply.




4. Payment of Premium
We will only provide the cover described in this insurance policy if you have paid or agreed to pay the premium
for the current period of insurance and any additional premium which becomes due.

Your premium is based on information provided to us by you (or on your behalf) at the time you applied for
this insurance, subsequent amendment or renewal. You must contact your insurance broker immediately to
notify them of any change which may affect your insurance cover, so that we can consider any change in risk
and amend your premium accordingly if agreed.

• Paying your premium in full:
If you decide to pay your annual premium in full, you must ensure that your insurance broker is in receipt of
the total premium on or before the start date of cover (or the renewal date in subsequent periods of insurance).
Should you fail to do so, your insurance broker may at their discretion instruct us to cancel this insurance.

• Paying your premium by instalments:
If you decide to pay your annual premium by instalments under a facility arranged by your insurance broker,
you must ensure that payments are kept up to date. Should you fail to do so, your insurance broker may at
their discretion instruct us to cancel this insurance in accordance with any default notice sent to you.

This policy will only be cancelled by us for non-payment of premium after sending you a 10 days written
notice of cancellation to the address shown on the current Certificate of Motor Insurance.

We will inform the Department of Transport, Tourism and Sport when your policy has been cancelled.
If an accident, incident or claim has already been reported to us or if there has been an accident or incident that
is likely to result in a claim during the period of insurance, we reserve the right to request full payment of any
outstanding or overdue premium.




5. Deliberate Acts
We will not provide the cover described in this insurance policy for loss or damage caused deliberately by you,
by any insured driver or any person who is driving or is in charge of the insured vehicle with your permission.

Should it be proved to our satisfaction following the accident or incident that the loss or damage was caused
deliberately, we will be entitled to recover all monies paid in respect of any loss or claim arising from the
accident or incident from you.




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6. Duty of Care
     You or any insured drivers must take all reasonable care to safeguard the insured vehicle and its contents from
     loss or damage and to prevent accidents that may cause death, bodily injury or loss or damage to other property.

     You or any insured drivers are required to keep and maintain the insured vehicle in a roadworthy condition.
     The insured vehicle must have a valid National Car Test Certificate (NCT) throughout the period of insurance
     if one is required by law. The certificate is proof that the insured vehicle has been tested for roadworthiness.
     The absence of a National Car Test Certificate (NCT) could invalidate cover provided by this insurance policy,
     result in rejection of a claim or reduce the amount of any claim we pay.

     You must allow us (or our authorised representative) free access to examine the insured vehicle at any time.
     You must not leave any key(s), lock or ignition activator(s) or entry card(s) (for a keyless entry system) or any
     other type of alarm, immobiliser or security device activator(s) in or on the insured vehicle while it is left
     unattended, and all doors, boot, tailgate, windows, panoramic roof or any form of sliding or removable roof or
     hood must be locked and secured while the insured vehicle is left unattended. If the insured vehicle is fitted
     with an alarm, immobiliser, tracker or any other form of manufacturer's standard security device, you must
     ensure that such security devices are activated and fully operational while the insured vehicle is left unattended.


     Failure to comply with this condition could invalidate cover provided by this insurance policy, result in rejection
     of a claim or reduce the amount of any claim we pay.



     7. Policy Amendments, Additional and Return Premiums
     You must contact your insurance broker immediately to notify them of any change which may affect your
     insurance cover, as detailed under "Notification of changes which may affect your insurance cover" on Page 1.
     If you are in any doubt as to whether any change affects your insurance cover, you should contact your
     insurance broker immediately to discuss it with them.

     We reserve the right to reassess the risk posed following the notification of any change if we consider that change
     to be a material fact. At our discretion, we may choose to accept or decline the proposed changes or amend the
     terms and conditions, the premium and/or the cover provided by this policy.

     If we accept any proposed change(s) and provide a new Certificate of Motor Insurance and Insurance Disc,
     you must return the old Certificate of Motor Insurance and Insurance Disc to your insurance broker.
     If you make an amendment to your policy during the period of insurance, we will re-calculate your premium
     according to the change(s). This may result in an additional premium due to us, or a return premium due to you.
     We may apply an administration charge (as shown under the Policy Amendment section on your Schedule)
     depending on the type of amendment made. Where applicable, this administration charge will be added to any
     additional premium due to us, or deducted from any return premium due to you.

     We will not charge you for additional premiums of less than €15.00 (including the administration charge) nor
     refund you return premiums of less than €15.00 (including the administration charge).
     We will only refund you return premium if:
     • you have not made a claim and there is no accident or incident that is likely to result in a claim that has arisen
       during the current period of insurance; and
     • you have provided all the documentation we need in order to carry out the proposed change(s); and
     • you return the old Certificate of Motor Insurance and Insurance Disc to your insurance broker.


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8. Cancellation after the Cooling-Off Period
Please note that if you cancel this policy, or if it is cancelled by your insurance broker or by us for any reason,
then all cover and policy benefits provided by this insurance shall automatically be cancelled on the same date.

Cancellation by any party shall be without prejudice and will not affect any rights, claims or responsibilities
arising prior to the effective date of the cancellation or the expiry date of any written notice of cancellation.
If you wish to cancel your policy within the cooling-off period, please refer to Page 11 for more information.


• Cancellation by You

You may cancel your policy at any time by contacting your insurance broker.
You must immediately return your Certificate of Motor Insurance and the Insurance Disc before we can
proceed with the cancellation. Please note that the effective date of cancellation will be the date of receipt of
the above mentioned documentation or the date specified by you, whichever is later.

• Cancellation by Us
We may cancel your policy by sending you a 10 days written notice of cancellation to the address shown on
the current Certificate of Motor Insurance.

You must immediately return your Certificate of Motor Insurance and the Insurance Disc.


In either event:
Providing that you have not made a claim or there is no incident that is likely to result in a claim during the
current period of insurance, we will cancel your policy and refund the premium relating to the remaining
period of insurance as calculated on a pro-rata basis. We will apply an administration charge (as shown under
the Cancellation section on your Schedule), which will be added to any additional premium due to us, or
deducted from any return premium due to you.

We will not refund you return premiums of less than €15.00 (including the administration charge).
We will not issue any refund of premium until both the Certificate of Motor Insurance and Insurance Disc
have been returned to us.

We will inform the Department of Transport, Tourism and Sport when your policy has been cancelled.


If an accident, incident or claim has already been reported to us prior to the effective date of the cancellation, or
if there has been an accident or incident that is likely to give rise to any claim during the period of insurance,
we reserve the right to retain the premium you have already paid in full or to demand the premium in full.

Should an accident, incident or claim be reported to us after effective date of the cancellation, we reserve the
right to demand the premium in full and/or reclaim any amount of premium we have already refunded to you.




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9. Making a Claim
     In the event of an accident or incident likely to give rise to a claim which is covered under this insurance policy,
     you, your legal representative or any person claiming the benefit of this insurance must contact us immediately
     (or at the latest by the next working day) on the Emergency Helpline (01) 908 9030.

     You must provide all the necessary details and information that we require about the accident or incident so
     that our claims handler or appointed representatives can assist you accordingly.
     If the insured vehicle has been involved in an accident and cannot be safely driven in its damaged condition,
     our claims handler or appointed representatives will make arrangements to recover the insured vehicle from
     the scene of the accident to the nearest approved repairer, competent repairer or to the nearest place of safety
     to safeguard the insured vehicle and its contents. We will not pay for further damage to the insured vehicle
     caused by you or any insured driver driving it or attempting to drive it in a damaged condition, except where
     the insured vehicle is causing an obstruction or a danger to other motorists or in an effort to prevent further
     damage being caused to the insured vehicle.

     If the insured vehicle has been stolen and recovered or damaged by attempted theft or malicious damage, our
     claims handler or appointed representatives will make arrangements to recover the insured vehicle from the
     scene of the incident to the nearest approved repairer, competent repairer or to the nearest place of safety to
     safeguard the insured vehicle and its contents. We will not pay for further damage to the insured vehicle
     caused by you or any insured driver driving it or attempting to drive it in a damaged condition, except where
     the insured vehicle is causing an obstruction or a danger to other motorists or in an effort to prevent further
     damage being caused to the insured vehicle.

     You must immediately report any incident involving the theft or attempted theft of, or malicious damage to the
     insured vehicle to us and to the Gardai (or the local police if travelling outside the Republic of Ireland), and
     send us a copy of the Garda report or obtain a crime reference number. The Garda report must clearly state that
     loss of or damage to the insured vehicle was the result of theft, attempted theft or malicious damage.


     If requested, you, your legal representative or any person claiming the benefit of this insurance must:
     • complete, sign and return the Claim Form as soon as is reasonably possible, enclosing any supporting
       information and documentation that we may require in order to progress the claim; and
     • provide any form of vehicle documentation relating to registration, ownership, importation or condition of
       the insured vehicle or any other vehicle covered by this insurance; and
     • provide original copies of the Driving Licence relating to you or any insured driver.


     Failure to provide any of the above mentioned information or documentation may result in rejection of a claim
     or reduce the amount of any claim we pay.
     In addition, you, your legal representative or any person claiming the benefit of this insurance must:
     • notify us immediately in writing if you become aware of any indication of a claim being made in connection
       with any accident or incident for which there may be liability under this insurance policy; and
     • notify us immediately in writing if you become aware of any impending prosecution, coroner's inquest or
       fatal accident enquiry or any other criminal or civil proceedings being made in connection with any accident
       or incident for which there may be liability under this insurance policy; and
     • immediately send us any letters, claim, writ, legal summons or similar document by post, before either
       signing or replying to them; and
     • co-operate fully and give us all reasonable assistance in investigating or handling any claim.




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10. Claims Procedures
No admission of liability for an accident (either verbally or in writing), offer of payment, promise of payment
or negotiation shall be made by you, your legal representative or any person claiming the benefit of this
insurance, except with our written consent.

You, your legal representative or any person claiming the benefit of this insurance must not commence
proceedings against or accept settlement from any other party, except with our written consent.
We shall have full discretion in the conduct of any proceedings or in the negotiation or settlement of any claim
and shall be entitled at any stage during a claim to:
• take over and carry out legal proceedings to defend, to prosecute or to settle any claim, in your name or in
  the name of any person covered by this insurance, for our own benefit; and
• decide how legal proceedings are to be conducted and you, your legal representatives or any person covered
  by this insurance must give us all reasonable assistance in connection therewith and shall act at all times in
  our best interests; and
• agree settlement of any claim or part thereof without reference to you, your legal representatives or any
  person covered by this insurance.

We shall also be entitled to instruct and provide information about you or any person covered by this insurance,
to other people such as suppliers, private investigators and loss adjustors.




11. Right of Recovery
If under the law of any country in which this policy applies, or an agreement between insurers and government
says that we must make any payment on your behalf which we would not otherwise have paid under this
policy, we reserve the right to seek recovery of the amount from you or the person responsible for causing the
accident or incident.

Any payment that we have to make because we are required to do so by compulsory insurance law or by an
agreement between insurers and government (for example, the Motor Insurers' Bureau of Ireland agreement),
will prejudice your No Claims Bonus.




12. Other Insurances
If at the time of any valid claim, you have another insurance policy covering the same loss, damage or liability,
we will only pay our proportionate share of the claim.

If at the time of any valid claim, any other 'insured person' (defined under Section 1, Section 8 and Section 9)
has another insurance policy covering the same loss, damage or liability, we will not pay any part of the claim.

This condition does not apply to any claim made under Section 5 - Personal Accident & Medical Expenses
where the claim relates to the following benefits:

• 1. Personal Accident for You; or
• 2. Personal Accident for Insured Drivers and/or Passengers.




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13. Misrepresentation and Fraud
     We will only provide the cover described in this insurance policy if you (or any person acting on your behalf)
     have entered into this contract honestly and continue to act honestly throughout the duration of this contract.

     We may take the action shown below if you (or any person acting on your behalf):
     • fail to disclose a material fact, deliberately misrepresent or knowingly withhold relevant information from
       your insurance broker, from us or from anyone acting on our behalf; or
     • make a statement to your insurance broker, to us or to anyone acting on our behalf, knowing that the
       statement is not true; or

     • provide any form of documentation to your insurance broker, to us or to anyone acting on our behalf,
       knowing that the documentation is false or forged; or

     • make a claim under the policy, knowing that the claim is false, exaggerated or fraudulent in any way; or
     • make a claim under the policy for loss or damage caused deliberately by you, by any insured driver or any
       person who is driving or is in charge of the insured vehicle with your permission.


     We may take one or more of the following actions:
     • reject any claim made under this policy or reduce the amount of any claim we pay under this policy;
     • declare this policy void, (i.e. treat it as if this policy never existed);
     • seek recovery from you of the amount of any claim that we have already paid under this policy.


     If you, or any person acting on your behalf, fraudulently provides false information, statements or documents
     or makes a false, exaggerated or fraudulent claim of any kind, we will inform An Garda Siochana and may also
     notify the relevant anti-fraud databases (such as Insurance Ireland's anti-fraud claims matching database).

     We shall also be entitled to instruct and provide information about you or any person covered by this insurance,
     to other people such as private investigators to investigate a claim.


     For our joint protection, telephone calls in relation to this insurance may be recorded and monitored by us.




     14. Dispute Resolution
     Any dispute between you and us in relation to a claim made under this insurance policy which cannot be settled,
     may be referred to the Financial Services Ombudsman's Bureau.

     If the Financial Services Ombudsman's Bureau will not deal with the dispute, then both parties may agree to
     refer the dispute to arbitration.

     If both parties cannot agree on the appointment of an arbitrator, then the President of the Law Society of Ireland
     will decide on the arbitrator, and the decision of that arbitrator will be final and binding on both you and us.

     If the dispute has not been referred to arbitration within twelve months, we will treat the claim as abandoned.




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15. Suspension of Cover or Rebate for Laying Up
If the insured vehicle is laid up and out of use, you can ask us to suspend the cover provided by this policy.
You may wish to suspend all cover provided by this policy or simply part of the cover provided by this policy,
with the exception of Section 2 - Loss of or Damage to the Insured Vehicle caused by Fire or Theft.

You must immediately return your Certificate of Motor Insurance and the Insurance Disc before we can
proceed with this change, along with confirmation of your instruction to suspend cover under this policy.
Please note that the effective date of suspension will be the date of receipt of the above mentioned documents
or the date specified by you, whichever is later.

We will calculate a pro-rata refund of premium relating to the period of suspension and level of cover provided
by the policy during the period of suspension and return this to you when the policy is re-instated, providing:

• the policy is suspended for a minimum of 28 consecutive days;
• the policy is not issued or renewed for less than 12 months;
• the insured vehicle is not laid up and out of use as a result of an accident or loss;
• you have not made a claim and there is no claim pending or incident that is likely to result in a claim during
  the current period of insurance.


We will apply an administration charge (as shown under the Policy Amendment section on your Schedule),
which will be deducted from any refund.

We will not refund you return premiums of less than €15.00 (including the administration charge).

If you pay your premium by instalments, you must continue to make payments during the period of suspension.
Should you fail to do so, your insurance broker may at their discretion instruct us to cancel this insurance
following and in accordance with any default notice sent to you.

If an accident, incident or claim has already been reported to us prior to the reinstatement of the suspension, or
if there has been an accident or incident that is likely to give rise to any claim during the period of suspension,
we reserve the right to retain the premium you have already paid in full or to demand the premium in full.

Should an accident, incident or claim be reported to us after reinstatement of the suspension, we reserve the
right to demand the premium in full and/or reclaim any amount of premium we have already refunded to you.




16. Car Sharing
When the insured vehicle is being used for social purposes as part of a car sharing or pooling arrangement to
carry passengers and you receive contributions towards the cost of such journeys, we will not consider it to be
using the insured vehicle for hire and reward as long as:

• the total number of people travelling in the insured vehicle is not more than the vehicle manufacturer’s
  recommended limit; and
• the insured vehicle is not built or adapted to carry more than eight people (including the driver); and
• the insured vehicle is not used to carry passengers as customers of a passenger carrying business; and
• the total contributions received do not result in a financial profit being made from this arrangement.




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